Capital receipt and payment system based on electronic voucher

Abstract

The disclosure relates to the field of electronic commerce (e-commerce). The technical problem to be solved is to overcome imperfect circulation of goods due to the restriction of store location, defective transaction information integration, defective product authentication, and logistics of delivery. A capital receipt and payment system based on electronic vouchers is provided including a manufacturer terminal, a bank system, a display server, a client terminal, and a logistics terminal. The manufacturer terminal applies to the bank system for an electronic voucher, the display server publishes the electronic voucher, the client terminal gets the electronic voucher and requests payment to the bank system, the bank system converts the amount of the requested payment to a request-state and informs the logistics terminal, the logistics terminal guides the goods to destination, and the bank system transfers the requested amount under the request-state to a corresponding account after getting receiving information.

Description

CAPITAL RECEIPT AND PAYMENT SYSTEM BASED ON ELECTRONIC VOUCHER Technical Field

[0001] The present disclosure relates to the technical field of electronic commerce, particularly to a capital receipt and payment system based on electronic voucher. Background of The Disclosure

[0002] With the breakthrough of network, communication and information technology, e- commerce emerged as the times require and developed rapidly, which has gradually changed people's lives and promoted the evolution of social business forms. However, at present, the real economy is still beyond e-commerce capabilities, and items are placed in physical stores in physical ways compared to being placed in online stores in the form of pictures in e-commerce, forming a "shop-based" sales model. The reputation, quality, and authenticity of the purchased products are mainly based on the factors such as the size and reputation of the physical or online store and are almost unrelated to the quality of the goods themselves and the manufacturer. For example, in real life, it is difficult for people to believe that the branded goods sold in market stalls are authentic. People tend to buy goods in specialty stores because they believe that the store sells genuine products. For this reason, traditional trade depends on specially appointed merchandising locations. In fact, it is often reported in media that counterfeit items are sold even in specialty stores and online platforms.

[0003] Internet transactions are remote, online transactions between the purchaser and the seller. In view of this, it is necessary to design a system or device that can integrate all the real information of the items under the e-commerce transaction, including complete transaction rules and service transactions, to create an intelligent and autonomous transaction environment. The e- commerce transactions will be removed from the stored-based model and moved to a goods- based model. That is, what is important is who manufactures and provides the goods instead of who sells the goods. Accordingly, it is ensured that the customer buys authentic goods online. At the same time, manufacturers of the authentic products can achieve direct marketing by creating electronic vouchers for the goods, eliminating counterfeiting in online shopping. Summary of the Disclosure

[0004] The technical problem to be solved by the present invention is that, in view of the above-mentioned prior art, the circulation of goods is imperfect due to the restriction of store location, defective transaction information integration, defective product authentication, logistics of delivery and receipt, and unattainable autonomous intelligent transactions. The technical solution adopted by the present invention to solve the technical problem is to construct a capital receipt and payment system based on electronic vouchers.

[0005] A capital receipt and payment system based on electronic voucher includes a manufacturer terminal, a bank system communicatively connected with the manufacturer terminal, a display server communicatively connected with the bank system, a client terminal communicatively connected with the display server, and a logistics terminal communicatively connected with the bank system. The manufacturer terminal imports settlement information containing at least one account and article attribute at least with name and amount, thereby creating a template of electronic voucher. Such an electronic voucher may further be a writable electronic voucher. The bank system stores writable electronic voucher and sends the writable electronic voucher to the display server. The bank system further converts requested amount to request-state after issuing the electronic voucher and after getting payment request information from the client terminal. The bank system still further transfers the requested amount under the request-state to an account corresponding to the settlement information after receiving information from the client terminal. The display server displays the writable electronic voucher from the bank system and publishes the writable electronic voucher via Internet. The client terminal gets the published electronic voucher via Internet, writes logistic distribution destination into the electronic voucher, selects preset logistic support information to determine logistic distribution information, and sends the payment request information to the bank system based on the settlement information, thereby requesting payment with amount corresponding to the article attribute. The logistics terminal picks up goods corresponding to the article attribute, guides the goods to the destination, and sends the receiving information to the bank system after the bank system getting the payment request information.

[0006] In a preferred embodiment, the bank system includes a memory module, an issue module, a payment module and a collection module. The memory module is configured for storing the writable electronic voucher having settlement information with at least one account and article attribute with name and amount. The issue module is configured for issuing the electronic voucher. The payment module is configured for converting requested amount to request-state, and the request-state is a state of freezing the requested amount or transferring the requested amount into a preset guarantee account. The collection module is configured for transferring the requested amount under the request-state to an account corresponding to the settlement information after getting receiving information from the logistics terminal.

[0007] In a preferred embodiment, the bank system includes a pickup code distributing module and a sign-in code distributing module. The pickup code distributing module is configured for sending a pickup code to the logistics terminal, and the sign-in code distributing module is configured for sending a sign-in code to the client terminal.

[0008] In a preferred embodiment, the client terminal is further configured for providing the sign-in code to the logistics terminal after the goods arriving at the destination.

[0009] In a preferred embodiment, the logistics terminal includes a pickup module, a deliver module and a sign-in module. The pickup module is configured for getting the pickup code and picking up goods corresponding to the article attribute according to the pickup code. The deliver module is configured for guiding the goods to the destination. The sign-in module is configured for sending the receiving information to the bank system according to the sign-in code.

[0010] In a preferred embodiment, the bank system includes a countdown module. The countdown module is configured for writing countdown information into the electronic voucher, and the countdown information includes payment countdown and / or delivery countdown and / or arrival countdown.

[0011] In a preferred embodiment, the bank system includes an insurance module. The insurance module is configured for writing an electronic insurance contract into the electronic voucher.

[0012] In a preferred embodiment, the bank system includes a public power module. The public power module is configured for writing identifying information and / or ownership information and / or authentication information and / or trade status information and / or register information into the electronic voucher.

[0013] The capital receipt and payment system based on the electronic voucher has the following beneficial effects. By creating the electronic voucher corresponding to goods and adapted to Internet circulation, the merchandising location restriction is removed, thereby changing the transaction mode to be centered on electronic commerce and reliant on the reputation of the electric business platform or online store. Accordingly, goods can be attached to properties and attributes, such as manufacturers, raw materials and other information, thereby autonomously and efficiently circulating on the Internet, achieving autonomous intelligent transaction, and forming a transaction mode centered on goods. Brief Description of the Drawings

[0014] FIG. 1 is a block diagram of a capital receipt and payment system based on an electronic voucher in accordance with a first embodiment.

[0015] FIG. 2 is a flow chart of the capital receipt and payment system based on the electronic voucher in accordance with the first embodiment.

[0016] FIG. 3 is a flow chart showing creating and publishing of the electronic voucher.

[0017] FIG. 4 is a flow chart showing a client terminal purchasing the electronic voucher.

[0018] FIG. 5 is a flow chart showing goods delivery.

[0019] FIG. 6 is a flow chart showing capital payment. Detailed Description of the Embodiments

[0020] The disclosure will be described in detail with the following embodiments and drawings.

[0021] The present disclosure provides an electronic voucher generating device and system, which aims at achieving an intelligent system responsible for a bank guarantee, for inspection according to order and payable on receipt. In such a device and system, the use of electronic vouchers allows for the trades of goods or services according to direct buying and selling mode, in which goods are directly delivered by manufacturers, and collection of payment is automatically performed, thereby ensuring authenticity of goods from the headstream and making the trade more safe and reliable. A public power module is added to facilitate a supervision department to supervise dynamic flow of goods and ensure the quality of goods. The electronic voucher guiding the goods to their predetermined destination indicates payment should be unfrozen, which ensures the rights and interests of buyers and sellers and achieves a transaction payable on receipt. The employment of electronic vouchers makes the booking issue of the semi-finished or unfinished goods feasible, thereby improving withdrawal ratio of currency from circulation. The electronic voucher can change the fact that electronic platforms of online stores rely on reputation, as well as changing the traditional store-based sale mode, thereby achieving an autonomous and efficient circulation of goods on the Internet and forming a goods-based sale mode instead. Accordingly, companies can estimate the goods or service to be provided and record them in the form of an electronic voucher in electronic commerce, which allows the companies to collect future capitals for benefits (e.g. discounting and factoring), thereby accelerating turnover velocity of capitals, further solving the problem of insufficient goods flow, further satisfying financing demand of companies, further accelerating turnover velocity of company capitals, and promoting social economic development.

[0022] FIG. 1 is a block diagram of a capital receipt and payment system 100 based on an electronic voucher in accordance with a first embodiment. As shown in FIG. 1, the capital receipt and payment system 100 includes a manufacturer terminal 2, a bank system 1 communicatively connected with the manufacturer terminal 2, a display server 3 communicatively connected with the bank system 1, a client terminal 4 communicatively connected with the display server 3, and a logistics terminal 5 communicatively connected with the bank system 1. The term "communicatively connected" means a connection with function of synchronizing data, thereby performing data synchronization.

[0023] The manufacturer terminal 2 is configured for importing settlement information containing at least one account and article attribute at least with name and amount. Thereby the manufacturer terminal 2 creates a template of electronic voucher.

[0024] The bank system 1 is configured for storing a writable electronic voucher and sending the writable electronic voucher to the display server 3. The bank system 1 is further configured for converting the requested amount to a request-state after issuing the electronic voucher and after getting payment request information from the client terminal 4. The bank system 1 is still further configured for transferring the requested amount under the request-state to an account corresponding to the settlement information after receiving information from the client terminal 4. It can be understood that the request-state is a state of freezing the requested amount of deposit / line of credit or transferring the requested amount of deposit / line of credit into a preset guarantee account. That is, line of credit (credit card) or deposit amount (debit card) is temporarily frozen, or line of credit (credit card) or deposit amount (debit card) is transferred into a preset guarantee account, which can be understood as a kind of acceptance and guarantee.

[0025] The bank system 1 is preferred as the bank or third-party payment system, in which receipt and payment terminal issuing electronic voucher refers to checking and approving related information in the electronic voucher (e.g. bank account information of seller, other capital information etc.), writing receipts account information and electronic signature into the electronic voucher and then issuing the electronic voucher, for purpose of identification of the bank or other payment terminal.

[0026] The display server 3 is configured for displaying the writable electronic voucher from the bank system 1 and further publishing the writable electronic voucher via terminal.

[0027] The client terminal 4 is configured for getting the published electronic voucher via the Internet, writing logistic distribution destination into the electronic voucher, selecting preset logistic support information to determine logistic distribution information, and sending the payment request information to the bank system 1 based on the settlement information, thereby requesting payment with the amount corresponding to the article attribute.

[0028] The logistics terminal 5 is configured for picking up goods corresponding to the article attribute, guiding the goods to the destination, and sending the receiving information to the bank system 1 after the bank system 1 receives the payment request information.

[0029] A method for running the above system is shown in FIG. 2 which is a flow chart of the capital receipt and payment system based on an electronic voucher in accordance with the first embodiment, and mainly includes the following four steps.

[0030] S1: Providing and publishing electronic voucher. The manufacturer terminal 2 provides template of electronic voucher with completed configuration. The bank system 1 issues the electronic voucher. The display server 3 publishes the issued electronic voucher via the Internet. In detail, one-to-one mapping relation of the data between the display server 3 and the bank system 1 is constructed. That is, the data of the electronic voucher in display server 3 is synchronized or partly synchronized with that in the bank system 1. It is to be said that the subject who provides the electronic voucher can be manufacturers, dealers or natural person. In other words, the manufacturer terminal 2 is not limited to be manufacturers.

[0031] S2: Purchasing electronic voucher. The client terminal 4 gets the electronic voucher and directly sends request information to the bank system 1 for payment with amount corresponding to the article attribute, or sends request information to the bank system 1 via the manufacturer terminal 2 for payment with amount corresponding to the article attribute. The bank system 11 converts a requested amount to a request-state and simultaneously synchronizes the request-state information to the client terminal 4 and / or manufacturer terminal 2. The bank system 11 further informs the logistics terminal 5 to leave for the address provided by the owners of the goods or recorded in the electronic voucher and pick up goods corresponding to the article attribute.

[0032] S3: Delivering goods. The logistics terminal 5 guides the goods to the destination.

[0033] S4: Capital payment. The bank system 1 transfers the requested amount under the request-state to an account corresponding to the settlement information after receiving information from the logistics terminal 5.

[0034] As to step S1, the manufacturer terminal 2 is configured for storing a writable electronic voucher which includes settlement information containing at least one account and article attribute at least with name and amount. The bank system 1 is configured for writing selectable logistic support information after issuing the electronic voucher. The display server 3 is configured for storing the electronic voucher and publishing the electronic voucher via the Internet. In fact, the electronic voucher is constructed recording all transactions, and a preferred procedure of step S1 as shown in FIG. 3, which is a flow chart showing creating and publishing of electronic voucher, includes the following steps.

[0035] S101: The goods provider submits a request to the manufacturer terminal 2 to create electronic voucher.

[0036] Preferably, the goods provider completes configurations of goods on a local electronic terminal beforehand and then submits request to the manufacturer terminal 2 to create the electronic voucher. As such, the source file of the electronic voucher can be directly stored in the local electronic terminal instead of in the manufacturer terminal 2 or the bank system 1, and merely a connection signal to the manufacturer terminal 2 or the bank system 1 is needed.

[0037] The goods provider can also directly complete configurations of goods at the manufacturer terminal 2 by on-line work, and then submits the request to the manufacturer terminal 2 to create the electronic voucher. Moreover, in case of the electronic voucher being created by on-line work, the electronic voucher can be directly stored in the manufacturer terminal 2 or the bank system 11. In case of the electronic voucher being created by off-line work, the electronic voucher can also be created according to configurations of goods and can be stored in the local electronic terminal.

[0038] S102: The manufacturer terminal 2 accepts the request and returns a configure page to the goods provider.

[0039] S103: The goods provider sets up label information of the electronic voucher in the configure page, i.e., sets up treaty executing information of the electronic voucher, and the electronic voucher includes settlement information containing at least one account and article attribute at least with name and amount.

[0040] S104: The manufacturer terminal 2 creates a template of the electronic voucher configured with article information.

[0041] S105: The goods provider sets up an issue bank of the bank system 1, and the manufacturer terminal 2 simultaneously sends a request of the goods provider to the bank system 1. The bank system 1 is not limited to be the issue bank, and other platforms supporting Internet capital flow can also apply. This step can be performed by configuring an issue module in the bank system 1. The issue module is configured for approving receipts account information written in the electronic voucher, writing selectable logistic support information after issuing the electronic voucher, creating the electronic voucher, and sending the electronic voucher to the display server 3 and / or the manufacturer terminal 2.

[0042] S106: The bank system 1 receives the request to issue the electronic voucher and returns the port ID to the manufacturer terminal 2. Usually, the port ID consists of an 8-bit port priority and port number. The port number is little-endian, and the default port priority is 128.

[0043] Of course, the request for electronic voucher can also be submitted to the bank by the goods provider, and the bank returns the port ID to the goods provider after confirming the identity information of the goods provider.

[0044] S107: The manufacturer terminal 2 updates the status of the electronic voucher as issued and synchronous information to the goods provider.

[0045] S108: The goods provider selects the way of issuing the electronic voucher, generally via preset channel. The channel can be a link or an advertisement, and the channel can also be embedded in applications. This step can be performed by adding an issuing port electrically connected with the goods provider, and the issuing port is for connecting to interact, thereby issuing the electronic voucher.

[0046] S109: The bank system 1 issues the electronic voucher in the way selected by the goods provider.

[0047] S110: The manufacturer terminal 2 synchronizes the electronic voucher, and the goods provider or other Internet user can check the issued electronic voucher via terminals connected to interact.

[0048] As to step S2, the client terminal 4 is configured for browsing and getting the published electronic voucher via interaction, writing a logistic distribution destination into the electronic voucher, selecting preset logistic support information to determine logistic distribution information, and sending the payment request information to the bank system 1 based on the settlement information, thereby requesting payment with amount corresponding to the article attribute. The client terminal 4 can perform its functions via software such as a plug-in, an application etc. The bank system 1 converts the requested amount to the request-state after getting the request information from the client terminal 4 and informs the logistics terminal 5 to leave for where the goods are and pick up goods corresponding to the article attribute.

[0049] The client terminal 4 is configured for purchasing the electronic voucher, thereby providing credentials for capital frozen or deposited in successive steps of delivering goods. A preferred detailed procedure of purchasing the electronic voucher is shown in FIG. 4, which is a flow chart showing the client terminal purchasing the electronic voucher, and mainly includes the following steps.

[0050] S201: The client terminal 4 selects a paying bank (which may be a common terminal with the bank system 1) or platforms supporting Internet capital flow to send a payment request. Generally, it is necessary to key in the corresponding account and password to log in to the bank account.

[0051] S202: The bank system 1 receives the selection of the client terminal 4, authenticates the identity of the client terminal 4, and returns to the client terminal 4.

[0052] S203: The client terminal 4 submits identity information and confirms to pay to the electronic voucher.

[0053] S204: The bank system 1 converts the requested amount to the request-state after getting the request information from the client terminal 4 and informs the logistics terminal 5 to pick up goods corresponding to the article attribute. The requested amount is afforded by users of the client terminal 4. This step can be performed by configuring a payment module in the bank system 1. In detail, the payment module is configured for converting the requested amount to the request-state after getting the request information from the client terminal 4 and informs the logistics terminal 5 to pick up goods corresponding to the article attribute. The request-state is a state of freezing the requested amount or transferring the requested amount into a preset guarantee account.

[0054] S205: The bank system 1 synchronizes treaty executing information that the client terminal 4 informs the logistics terminal 5 and returns a receipt of treaty executing.

[0055] S206: The client terminal 4 updates treaty executing status according to the receipt of treaty executing.

[0056] As to step S3, the logistics terminal 5 is configured for guiding the goods to the destination and sending the receiving information to the bank system 1. The logistics terminal is arranged inside a logistics company, thereby making the electronic voucher capable of fully circulating. The logistics terminal 5 can also perform its functions via software such as a plug-in, an application, etc., thereby guiding the goods to the destination in the form of door-to-door delivery or other ways.

[0057] The logistics terminal 5 ensures the goods are handed over under monitoring and efficiently combines the transfer of goods and capital, thereby effectively protecting the rights and interests of buyers and sellers.

[0058] Substantially, the logistics terminal 5 performs the process of goods delivery as shown in FIG. 5, which is a flow chart showing goods delivery, and mainly includes the following steps.

[0059] S301: Delivering goods to submit treaty executing information and synchronously updating the treaty executing information of the bank system 1.

[0060] S302: The bank system 1 synchronously returns a receipt of executed treaty after receiving the updated treaty executing information. In this step, the logistics company automatically synchronizes logistics status with the bank system 1, e.g., delivered, signed-in, thereby triggering the electronic voucher module to send notice of treaty executed and payment to the bank system 2.

[0061] S303. The electronic voucher updates treaty executing information in logistics terminal 5.

[0062] As to Step S4, the bank system 1 is configured for transferring the requested amount under the request-state to an account corresponding to the settlement information after receiving information from the logistics terminal 5. The bank system 1 can be software configured inside the bank or platforms supporting Internet capital flow. In the case of the bank system 1 being configured in the bank, capital transfer can be performed in the internal network of the bank, thereby ensuring capital safety. In the case of the bank system 11 being configured in platforms, capital transfer can also be performed between the third party payment companies and banks.

[0063] The bank system 11 performs capital payment after the goods are signed-in as shown in FIG. 6, which is a flow chart showing capital payment, and includes the following steps.

[0064] S401: A user of client terminal 4 signs-in after the goods arrival. Generally, the bank system 1 is configured with a pickup code distributing module and a sign-in code distributing module. The pickup code distributing module is configured for sending a pickup code to the logistics terminal 5. The sign-in code distributing module is configured for sending a sign-in code to the client terminal 5.

[0065] The client terminal 4 provides the sign-in code to the logistics terminal 5 after the arrival of goods at their destination.

[0066] The logistics terminal 5 includes a pickup module, a deliver module and a sign-in module. The pickup module is configured for getting the pickup code and picking up goods corresponding to the article attribute according to the pickup code. The deliver module is configured for guiding the goods to the destination. The sign-in module is configured for sending the receiving information to the bank system 1 according to the sign-in code. In another exemplary embodiment, the bank system 1 is configured with a pickup code distributing module and a sign-in code distributing module. The pickup code distributing module is configured for sending a pickup code to the logistics terminal 5. The sign-in code distributing module is configured for sending a sign-in code to the client terminal 5.

[0067] Moreover, the client terminal 4 can also be configured with a sign-in module to achieve intelligent sign-in. Two preferred embodiments of the sign-in module are disclosed as follows.

[0068] In a first embodiment, the sign-in module includes a sign-in code distributing mode, a sign-in code confirming module, and a sign-in information sending module. The sign-in code distributing module is communicatively connected with the client terminal 4, thereby distributing a sign-in code to the client terminal 4. The sign-in code confirming module is configured for confirming the sign-in code, after the arrival of the goods at their destination and before the capital is unfrozen / transferred to the account of the goods owner to generate a sign-in information, thereby ascertaining that the goods have been signed in. The sign-in information sending module is communicatively connected with the bank system 1, thereby sending the sign- in information to the bank system.

[0069] This plan is directed against the buyer's sign-in of goods, thereby improving the reliability of the logistics company distribution by verifying the buyer's identity when signed in.

[0070] In a second embodiment, the sign-in module includes a sign-in code distributing module, a sign-in code confirming module, and a sign-in information sending module. The sign- in code distributing module is communicatively connected with the client terminal 4, thereby distributing a sign-in code to the client terminal 4. The sign-in code confirming module is configured for confirming the sign-in code, after the arrival of the goods at their destination and before the capital is unfrozen / transferred to the account of the goods owner, to generate a sign-in information, thereby ascertaining the goods have been signed in. The sign-in information sending module is communicatively connected with the bank system 1, thereby sending the sign-in information to the bank system 1.

[0071] The system further includes a sign-in code server communicatively connected with the client terminal 4. The sign-in code server is configured for generating the sign-in code according to request information from a sign-in code request module and sending the sign-in code to the client terminal 4. The sign-in code server and the manufacturer terminal 2 can share a common server but perform different functions.

[0072] fThe sign-in module includes the sign-in code request module, a sign-in code confirming module, and a sign-in information sending module. The sign-in code request module is communicatively connected with the sign-in code server, thereby requesting the sign-in code server to generate a sign-in code. The sign-in code confirming module is configured for confirming the sign-in code after the arrival of the goods at their destination and before the capital is unfrozen / transferred to the account of the goods owner, to generate a sign-in information, thereby ascertaining the goods have been signed in. The sign-in information sending module is communicatively connected with the bank system 1, thereby sending the sign-in information to the bank system 1.

[0073] This plan is directed against the buyer's confirmation of signing in goods to the logistics company, thereby effectively protecting the rights and interests of buyers and sellers by paying the frozen or guaranteed capital via the sign-in code server.

[0074] S402: The logistics terminal 5 synchronizes the sign-in information of the bank system 1 after sign-in of the user.

[0075] S403: The bank system 1 unfreezes the capital and transfers the capital to target account or transfers the deposit to target account.

[0076] For achieving an intelligent electronic voucher, the present disclosure further provides the following preferred embodiment.

[0077] 1. The manufacturer terminal 2 or bank system 1 can further include a countdown module. The countdown module is configured for writing countdown information into the electronic voucher, wherein the countdown information includes a payment countdown and / or delivery countdown and / or arrival countdown. The countdown module can ensure goods are handed over timely. A payment countdown is a countdown of when the payment will be completed. The payment countdown begins at the time when both sides make a deal intention. A delivery countdown is a countdown of when the goods will be delivered. The delivery countdown begins at the time when payment is started, thereby ensuring the goods to be delivered timely. An arrival countdown is a countdown of when the goods or service will arrive. The arrival countdown begins at the time when the seller delivers goods.

[0078] 2. The manufacturer terminal 2 or bank system 1 further includes an insurance module and a public power module. The insurance module is configured for writing an electronic insurance contract into the electronic voucher. The insurance module ensures the rights and interests of both sides of the transaction and greatly reduces the loss caused by sudden problems during the transaction. The insurance module has the electronic insurance contract therein, with no limit in insurance types. Under assurance of the insurance module with respect to the handing over of goods, compensation will be made for any loss caused by failure of the transaction, thereby greatly ensuring the rights and interests of both sides of the transaction. The public power module is configured for writing identifying information and / or ownership information and / or authentication information and / or trade status information and / or register information in to the electronic voucher. The public power module is communicated with public power institutions, thereby having the functions of registration, identification, and authentication.

[0079] 3. The manufacturer terminal 2 or bank system 1 further includes a commission module. The commission module is configured for providing conditions to a middleman, thereby matchmaking trades and earning commission therefrom. The commission module is written with commission rules information, thereby allowing the buyer to get a partial rebate from the payment to the sellers. When there is a third party (e.g. agent) in the trade, the commission rules can be appointed to ensure benefits for all three sides. In detail, the agent gathers a certain amount of electronic voucher from the display server 3, commonly known as purchase. Then, the agent sends the gathered electronic voucher to customers for matchmaking trades, thereby earning corresponding commission after the trade according to the commission rules.

[0080] A person of skill in the art considers the problems disclosed herein and sought to be solved by the present disclosure to be exclusively computer problems and contemplates only solutions to those problems that include essential computer elements. Abstract ideas, mere schemes, plans, rules, or mental processes that do not include computer elements are expressly excluded from this application.

[0081] Although the present disclosure has been described with reference to the embodiments thereof and the best modes for carrying out the present disclosure, it is apparent to those skilled in the art that a variety of modifications and changes may be made without departing from the scope of the present disclosure, which is intended to be defined by the appended claims.

Claims

1. A capital receipt and payment system based on an electronic voucher, the system comprising: a manufacturer terminal configured to: import settlement information comprising at least one account, and an article attribute comprising at least a name and an amount of money; and create an electronic voucher template; a bank system communicatively connected with the manufacturer terminal and configured to: store the electronic voucher template; issue the electronic voucher based on the electronic voucher template; send the electronic voucher to a display server; freeze the amount of money in a buyer account after issuing the electronic voucher and after receiving payment request information from a client terminal; and transfer the frozen amount of money to the at least one account corresponding to the settlement information and unfreeze the frozen amount of money after receiving payment request information from the client terminal and delivery information from a logistics terminal and after the logistics terminal has confirmed a sign-in code; and send a pickup code to the logistics terminal; wherein the display server is configured to: display the electronic voucher received from the bank system; and publish the electronic voucher via the Internet; wherein the client terminal is configured to: receive the published electronic voucher via the Internet; select preset logistic support information to determine the logistic distribution information; write a logistics distribution destination into the electronic voucher; send the payment request information to the bank system based on the settlement information, thereby requesting payment with the amount of money corresponding to the article attribute; and receive the sign-in code; receive user sign-in information after goods corresponding to the article attribute arrive at the logistics distribution destination; wherein the logistics terminal comprises: a pickup module for receiving the pickup code from the bank system and picking up the goods corresponding to the article attribute according to the pickup code; and a deliver module for guiding the goods to the logistics distribution destination; a sign-in module comprising: a sign-in code distributing module communicatively connected to the client terminal to distribute the sign-in code to the client terminal; a sign-in code confirming module for confirming the sign-in code, after the goods have been guided to the logistics distribution destination and before unfreezing the frozen amount of money; and a sign-in code sending module communicatively connected with the bank system to send the sign-in code to the bank system.

2. The system of claim 1, wherein the client terminal is communicatively connected with the display server.

3. The system of any one of claims 1 to 2, wherein the bank system comprises a memory module.

4. The system of claim 3, wherein the memory module is configured to store the electronic voucher.

5. The system of claim 4, wherein the electronic voucher is written with settlement information comprising at least one account.

6. The system of any one of claims 4 to 5, wherein the electronic voucher is written with the settlement information and the article attribute comprising at least the name and the amount of money.

7. The system of any one of claims 1 to 6, wherein the bank system further comprises an issue module.

8. The system of claim 7, wherein the issue module is configured to issue the electronic voucher.

9. The system of any one of claims 1 to 8, wherein the bank system further comprises a payment module.

10. The system of claim 9, wherein the payment module is configured to freeze the requested amount of money.

11. The system of any one of claims 9 to 10, wherein the payment module is further configured to transfer the requested amount of money into a preset guarantee account.

12. The system of any one of claims 1 to 11, wherein the bank system further comprises a collection module.

13. The system of claim 12, wherein the collection module is configured to transfer the requested amount of frozen money to the account corresponding to the settlement information after getting receiving information from the logistics terminal.

14. The system of any one of claims 1 to 6, wherein the bank system further comprises a countdown module.

15. The system of claim 14, wherein the countdown module is configured to write countdown information into the electronic voucher.

16. The system of claim 15, wherein the countdown information comprises a payment countdown.

17. The system of any one of claims 15 to 17, wherein the countdown information comprises a delivery countdown.

18. The system of any one of claims 15 to 17, wherein the countdown information comprises an arrival countdown.

19. The system of any one of claims 1 to 18, wherein the bank system further comprises an insurance module.

20. The system of claim 19, wherein the insurance module is configured to write an electronic insurance contract into the electronic voucher.

21. The system of any one of claims 1 to 20, wherein the bank system further comprises a public power module.

22. The system of claim 21, wherein the public power module is configured to write at least identifying information into the electronic voucher.

23. The system of any one of claims 21 to 22, wherein the public power module is further configured to write ownership information into the electronic voucher.

24. The system of any one of claims 21 to 23, wherein the public power module is further configured to write authentication information into the electronic voucher.

25. The system of any one of claims 21 to 24, wherein the public power module is further configured to write trade status information into the electronic voucher.

26. The system of any one of claims 21 to 25, wherein the public power module is further configured to write register information into the electronic voucher.

27. The system of any one of claims 1 to 26, wherein the bank system is maintained by a bank.

28. The system of any one of claims 1 to 26, wherein the bank system is a third-party payment system.

29. The system of any one of claims 1 to 6, wherein the manufacturer terminal comprises a countdown module.

30. The system of claim 29, wherein the countdown module is configured to write countdown information into the electronic voucher.

31. The system of claim 30, wherein the countdown information comprises a payment countdown.

32. The system of any one of claims 30 to 31, wherein the countdown information comprises a delivery countdown.

33. The system of any one of claims 30 to 32, wherein the countdown information comprises an arrival countdown.

34. The system of any one of claims 1 to 33, wherein the manufacturer terminal comprises an insurance module.

35. The system of claim 34, wherein the insurance module is configured to write an electronic insurance contract into the electronic voucher.

36. The system of any one of claims 1 to 20, wherein the manufacturer terminal further comprises a public power module.

37. The system of claim 36, wherein the public power module is configured to write at least identifying information into the electronic voucher.

38. The system of any one of claims 36 to 37, wherein the public power module is further configured to write ownership information into the electronic voucher.

39. The system of any one of claims 36 to 38, wherein the public power module is further configured to write authentication information into the electronic voucher.

40. The system of any one of claims 36 to 43, wherein the public power module is further configured to write trade status information into the electronic voucher.

41. The system of any one of claims 36 to 40, wherein the public power module is further configured to write register information into the electronic voucher.

42. The system of any one of claims 1 to 41, wherein the display server establishes a one-to- one mapping relationship with the bank system.

43. The system of any one of claims 1 to 42, wherein the electronic voucher is synchronized between the display server and the bank system.

44. The system of any one of claims 1 to 43, wherein the electronic voucher is generated by a manufacturer.

45. The system of any one of claims 1 to 43, wherein the electronic voucher is generated by a distributor.

46. The system of any one of claims 1 to 45, wherein the manufacturer terminal receives a request for creating an electronic voucher from a goods provider.

47. The system of claim 46, wherein the goods provider completes configuration of the goods on a local terminal first, and submits a request for creating the electronic voucher to the manufacturer terminal, whereby an electronic voucher source file is generated and stored directly on the local terminal, and the local terminal delivers a connection signal to the manufacturer terminal or the bank system to access the electronic certificate source file.

48. The system of claim 46, wherein the goods provider connects to the manufacturer terminal or the bank system directly to configure the goods, and submits the request for creating the electronic voucher to the manufacturer terminal, whereby the electronic voucher is saved directly on the manufacturer terminal or bank system.

49. The system of any one of claims 46 to 48, wherein the goods provider sets label information of the electronic voucher in a configuration page.

50. The system of any one of claims 46 to 49, wherein the goods provider sets other third- party payment platforms on the Internet.

51. The system of any one of claims 1 to 50, wherein the bank system is further configured to return a port ID to the manufacturer terminal when the electronic voucher is issued.

52. The system of claim 51, wherein the port ID consists of a 8-bit port priority and a port number.

53. The system of any one of claims 1 to 52, wherein the client terminal is software mounted on a mobile terminal held by the client.

54. The system of any one of claims 1 to 53, wherein the logistics terminal is software mounted on a mobile terminal held by the client.

55. A capital receipt and payment method based on an electronic voucher, the method comprising: providing a bank system with an electronic voucher template from a manufacturer terminal; issuing an electronic voucher at the bank system, wherein the electronic voucher is based on the electronic voucher template; a display server publishing the electronic voucher via the Internet; a client terminal receiving the electronic voucher; sending payment request information to the bank system from the client terminal, wherein the payment request information comprises an amount of money corresponding to an article attribute; the bank system freezing the amount of money in a buyer account; the bank system simultaneously synchronizing the frozen amount of money to the client terminal and the manufacturer terminal; the bank system informing a logistics terminal of an address provided by a goods owner or recorded in the electronic voucher; the logistics terminal receiving a pickup code from the bank system and picking goods up corresponding to the article attribute according to the pickup code; the logistics terminal guiding the goods to a logistics distribution destination; the bank system transferring the frozen amount of money to an account corresponding to settlement information and unfreezing the frozen amount of money after receiving delivery information from the logistics terminal and after the logistics terminal has confirmed a sign-in code; the bank system sending a pickup code to the logistics terminal; the client terminal receiving the sign-in code after the goods corresponding to the article attribute arrive at the logistics distribution destination; a sign-in module distributing the sign-in code to the client terminal; the sign-in module confirming the sign-in code, after the goods have been guided to the logistics distribution destination and before unfreezing the frozen amount of money; and the sign-in module sending the sign-in code to the bank system.

56. The method of claim 55, further comprises sending payment request information to the bank system via the manufacturer terminal for payment with the amount of money corresponding to the article attribute.

57. The method of claim 55, wherein the electronic voucher is synchronized between the display server and the bank system.

58. The method of any one of claims 55 to 57, wherein the electronic voucher is written with the settlement information and the article attribute with at least a name and the amount of money.

59. The method of any one of claims 55 to 58, wherein the electronic voucher is generated by a manufacturer.

60. The method of any one of claims 55 to 59, wherein the electronic voucher is generated by a distributor.

61. The method of any one of claims 55 to 60, wherein the manufacturer terminal receives a request for creating an electronic voucher from a goods provider.

62. The method of claim 61, wherein the goods provider completes configuration of the goods on a local terminal first, and submits a request for creating the electronic voucher to the manufacturer terminal, whereby an electronic voucher source file is generated and stored directly on the local terminal, and the local terminal delivers a connection signal to the manufacturer terminal or the bank system to access the electronic certificate source file.

63. The method of claim 61, wherein the goods provider connects to the manufacturer terminal or the bank system directly to configure the goods, and submits the request for creating the electronic voucher to the manufacturer terminal, whereby the electronic voucher is saved directly on the manufacturer terminal or bank system.

64. The method of any one of claims 61 to 63, wherein the goods provider sets label information of the electronic voucher in a configuration page.

65. The method of any one of claims 61 to 64, wherein the goods provider sets other third- party payment platforms on the Internet.

66. The method of any one of claims 55 to 65, wherein the client terminal is software mounted on a mobile terminal held by the client.

67. The method of any one of claims 55 to 66, wherein the logistics terminal is software mounted on a mobile terminal held by the client.